What will your status be if you study in the US? Are you now considered an international who needs an F1 visa, or will you be in a different status?
Will your status allow you to take any job, or will it restrict you to student jobs on campus? Students in F1 status are strictly limited in their work hours. Even if you were to find a good CPT job for the summers, it will be very nearly impossible for you to earn enough to cover 20k.
What will your status be if you take a gap year in the US while re-applying to college? Would you even be able to remain here during that time?
There are a limited number of places that offer automatic full tuition or full ride scholarships to students regardless of their immigration status. Check through the institutions in this thread to see which ones would be open to a student in your status, and whether or not they are still accepting applicants. Some might be. http://talk.collegeconfidential.com/financial-aid-scholarships/2006094-2017-automatic-full-tuition-full-ride-scholarships-p1.html
People get into top grad schools from places you have never heard of every single year. Yes it might be a bit more challenging, but given your immigration and financial issues, completing your degree at all should probably be your focus right now.